The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,549
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$397/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,961
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$380/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,430/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,059
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$476/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,977
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$456/mo
Today · 4.125%
HK$17,658
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,316/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,569
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$555/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$532/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,291
−HK$714/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,461/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,129
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$684/mo
Today · 4.125%
HK$26,487
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,974/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,826 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).